India CTC to in-hand salary calculator

InHand CTC · What actually hits your bank account · Tax Year 2026–27

CTC is what the company spends on you. In-hand is what you take home after employer PF, gratuity, your PF, professional tax, and income tax. This calculator uses the Tax Year 2026–27 slabs (unchanged in Budget 2026).

Calculator mode

Basic Advanced

Basic: CTC, basic %, regime, state, EPF. Advanced adds HRA, 80C–80G, NPS, ESI, loans, LTA, and other income.

Annual CTC (₹)

Basic as % of CTC

20% 40% 60%

Most Indian structures sit around 35–50% basic.

Tax regime

New (default) Old

New: ₹75,000 standard deduction + 87A up to ₹12L taxable. Old: more exemptions (HRA, 80C, 80D, home loan…) with higher slabs.

State (professional tax)

Delhi, UP, Haryana, Rajasthan, and Punjab levy no professional tax. Elsewhere it is capped at ₹2,500 a year.

EPF on basic Statutory cap (₹1,800 / month) Full 12% of basic

Structure & payroll

HRA as % of basic

0% 40% 50%

Used when HRA rupees below is blank. Common: 40–50% of basic.

HRA received (₹ / year)

Employer NPS in CTC (₹ / year)

Deductible under 80CCD(2) in both regimes (capped ~14% basic new / 10% old). Removed from cash gross.

Other non-cash in CTC (₹ / year)

Medical insurance, meal cards, wellness, etc. that never hit your bank.

Bonus / variable in CTC (₹ / year)

Already inside CTC. Used to show monthly recurring vs annual average.

Voluntary PF / VPF (₹ / year)

ESI ESI applicable (typically wages ≤ ₹21,000 / month)

Employer ESI already in CTC (₹ / year)

Leave 0 to auto-estimate employer ESI at 3.25% of gross when ESI is on. Employee ESI ~0.75% cuts in-hand.

Old-regime exemptions

These reduce tax only under the old regime (except where noted). New regime ignores HRA / 80C / 80D / home loan / LTA style claims.

Rent paid (₹ / year)

Metro city for HRA (Delhi, Mumbai, Kolkata, Chennai, Bengaluru, Hyderabad, Pune, Ahmedabad — 50% from FY 2026–27)

Other 80C investments (₹ / year, excl. EPF/VPF)

PPF, ELSS, LIC, tuition, home-loan principal. Combined with EPF+VPF capped at ₹1.5 lakh.

NPS self — 80CCD(1B) (₹ / year)

Deducted from salary (cuts in-hand)

Extra ₹50,000 over 80C — old regime deduction.

80D health insurance (₹ / year)

Typically up to ₹25,000 (self/family) or higher with senior parents — enter what you claim.

Home loan interest — Sec 24(b) (₹ / year)

Self-occupied cap ₹2 lakh applied automatically.

80E education loan interest (₹ / year)

80G donations (₹ / year eligible)

Enter only the deductible portion after 50%/100% rules.

80TTA savings interest (₹ / year, max ₹10,000)

LTA in CTC (₹ / year)

LTA exemption claimed (₹ / year)

Cannot exceed LTA in CTC. Old regime only.

Leave encashment exemption (₹ / year)

Other income

Other taxable income (₹ / year, e.g. freelance)

Raises tax on your salary in-hand estimate; not added as salary cash.

How the number is built

Gross = CTC − employer EPF − gratuity − employer NPS − other non-cash − employer ESI (when modelled). Those lines never hit your monthly pay.

In-hand = Gross − employee EPF − VPF − professional tax − employee ESI − NPS from salary − income tax (including 4% cess).

Basic mode uses standard PF / PT / tax only. Advanced adds HRA, 80C–80G, NPS, ESI, LTA, loans, and other income. Old-regime exemptions apply only when Old is selected.

Frequently asked questions

What is the difference between CTC and in-hand salary?

CTC is what the company spends on you. This calculator treats employer EPF and gratuity (4.81% of basic) as part of CTC that never hits your monthly pay. Gross is CTC minus those employer-side pieces (and other non-cash CTC items in Advanced). In-hand is gross minus your employee EPF, professional tax, income tax (including 4% cess), and any other payroll deductions you enter.

Is income tax zero up to about ₹12.75 lakh under the new regime in FY 2026–27?

For Tax Year 2026–27 the new regime uses a ₹4 lakh nil band, then 5 / 10 / 15 / 20 / 25 / 30%. Salaried people get a ₹75,000 standard deduction. Section 87A wipes tax if taxable income is ₹12 lakh or less — about ₹12.75 lakh of gross salary after employer EPF and gratuity are taken out of CTC.

How does the EPF cap work in this calculator?

Employee and employer EPF are each modelled as 12% of basic. The default is the statutory cap of ₹1,800 per month. You can switch to full 12% of basic if your offer deducts PF without that cap.

Which states charge professional tax?

Professional tax depends on the state you pick and your monthly gross. Delhi, Uttar Pradesh, Haryana, Rajasthan, Punjab, and Uttarakhand levy none here. Other states use simplified slabs, and the annual amount is capped at ₹2,500.

What is Basic vs Advanced mode?

Basic covers CTC, basic %, tax regime, state professional tax, and EPF cap. Advanced adds HRA and rent, employer/employee NPS, 80C extras, 80D, home-loan interest, 80E / 80G / 80TTA, LTA, leave encashment, ESI, VPF, bonus, and other income so you can compare new vs old regime more closely.

What is the in-hand for 10 LPA or 12 LPA CTC?

It depends on basic %, EPF policy, state, and deductions. Under a common sample (40% basic, EPF capped, Maharashtra, no HRA extras), 10 LPA is about ₹77,900 / month and 12 LPA about ₹94,300 / month on the new regime in FY 2026–27. Open those guides or use the calculator for your exact inputs.

Is this CTC to in-hand calculator tax or payroll advice?

No. It is a free estimate for India CTC to in-hand, not tax, payroll, or legal advice. Actual take-home depends on your offer breakup and claims. Use Advanced mode for HRA, NPS, 80C / 80D, and similar items, then verify with a CA or your payslip before you sign.

Popular CTC guides

Sample in-hand estimates for common offer levels, plus guides to CTC vs take-home and new vs old regime.